[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.sheeni.cz\/duchod-je-daleko-tak-s-tim-pocitejte\/#Article","mainEntityOfPage":"https:\/\/www.sheeni.cz\/duchod-je-daleko-tak-s-tim-pocitejte\/","headline":"D\u016fchod je daleko, tak s t\u00edm po\u010d\u00edtejte!","name":"D\u016fchod je daleko, tak s t\u00edm po\u010d\u00edtejte!","description":"Spousta lid\u00ed na soci\u00e1ln\u00edch s\u00edt\u00edch, ale i na Tiktoku a podobn\u00fdch video platform\u00e1ch neust\u00e1le mluv\u00ed o tom, jak je v\u00fdhodn\u00e9 to a tohle. Dost\u00e1v\u00e1te se tak do st\u0159etu nejr\u016fzn\u011bj\u0161\u00edch n\u00e1zor\u016f, kter\u00e9 zkr\u00e1tka proti sob\u011b nutn\u011b mus\u00ed st\u00e1t, proto\u017ee v\u017edycky padaj\u00ed na jednom z\u00e1kladn\u00edm rozhodnut\u00ed \u2013 co ud\u011bl\u00e1te s kapit\u00e1lem, kter\u00fd m\u00e1te k dispozici? Samoz\u0159ejm\u011b si […]","datePublished":"2021-03-20","dateModified":"2021-03-20","author":{"@type":"Person","@id":"https:\/\/www.sheeni.cz\/author\/#Person","name":"","url":"https:\/\/www.sheeni.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/0004469d2196026c4aaacbb56e80b8fe204b91e98e8d884732a12310e081011a?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/0004469d2196026c4aaacbb56e80b8fe204b91e98e8d884732a12310e081011a?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"sheeni.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.sheeni.cz\/wp-content\/uploads\/save-4666418_640.jpg","url":"https:\/\/www.sheeni.cz\/wp-content\/uploads\/save-4666418_640.jpg","height":0,"width":0},"url":"https:\/\/www.sheeni.cz\/duchod-je-daleko-tak-s-tim-pocitejte\/","about":["Online"],"wordCount":418,"articleBody":"    Spousta lid\u00ed na soci\u00e1ln\u00edch s\u00edt\u00edch, ale i na Tiktoku a podobn\u00fdch video platform\u00e1ch neust\u00e1le mluv\u00ed o tom, jak je v\u00fdhodn\u00e9 to a tohle. Dost\u00e1v\u00e1te se tak do st\u0159etu nejr\u016fzn\u011bj\u0161\u00edch n\u00e1zor\u016f, kter\u00e9 zkr\u00e1tka proti sob\u011b nutn\u011b mus\u00ed st\u00e1t, proto\u017ee v\u017edycky padaj\u00ed na jednom z\u00e1kladn\u00edm rozhodnut\u00ed \u2013 co ud\u011bl\u00e1te s kapit\u00e1lem, kter\u00fd m\u00e1te k dispozici? Samoz\u0159ejm\u011b si jej m\u016f\u017eete nechat le\u017eet na bankovn\u00edm \u00fa\u010dtu, ale tady se nep\u0159i\u010d\u00edt\u00e1 ani st\u00e1tn\u00ed podpora ani nic, dostanete jen n\u011bjak\u00e9 jedno procento, kter\u00e9 je garantovan\u00e9 bankou a to pouze za p\u0159edpokladu, \u017ee se jedn\u00e1 o spo\u0159ic\u00ed \u00fa\u010det.   Dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed Moneyworld.cz m\u016f\u017ee b\u00fdt jist\u00fdm zp\u016fsobem velice dobr\u00e9 \u0159e\u0161en\u00ed budouc\u00edch probl\u00e9m\u016f. Poj\u010fme si tedy propo\u010d\u00edtat, pakli\u017ee za\u010dnete spo\u0159it t\u0159icet let dop\u0159edu, jak\u00e9 pen\u00edze byste tam mohli m\u00edt. Pakli\u017ee budete ka\u017ed\u00fd m\u011bs\u00edc d\u00e1vat p\u011bt set korun na d\u016fchod, za rok budete m\u00edt \u0161est tis\u00edc korun uspo\u0159eno. Za t\u0159icet let se to tedy rovn\u00e1, pokud se nepleteme, n\u011bjak\u00fdm sto osmdes\u00e1ti tis\u00edc\u016fm korun. To je vskutku velk\u00fd obnos pen\u011bz, jeden by si \u0159ekl, ov\u0161em to je \u010d\u00e1stka, kterou budete m\u00edt a\u017e v d\u016fchodov\u00e9m v\u011bku, co\u017e je pro v\u011bt\u0161inu lid\u00ed nyn\u00ed stanoveno na 65 let. A te\u010f si ale mus\u00edme tro\u0161ku propo\u010d\u00edtat, jakou hodnotu ty pen\u00edze budou m\u00edt. Toti\u017e ceny rostou, dan\u011b rostou, v\u0161echno to roste. Tak\u017ee dejme tomu, \u017ee nenastane n\u011bjak\u00e1 velk\u00e1 krize nebo finan\u010dn\u00ed probl\u00e9my. T\u0159i procenta za inflaci jsou vskutku dobr\u00e9, ba i p\u0159ijateln\u00e9, v tak velk\u00e9m horizontu. Za t\u0159icet let tedy ztrat\u00ed tyto pen\u00edze zhruba 60 procent na sv\u00e9 hodnot\u011b. To je dost, \u017ee ano?   Pokud si to propo\u010d\u00edt\u00e1me, tak 180 000 vyd\u011bl\u00edme stem, dostaneme 1800 a pot\u00e9 vyn\u00e1sob\u00edme 60, co\u017e se rovn\u00e1 sedmdes\u00e1ti dvou tis\u00edc\u016fm. Tak\u017ee hodnota t\u011bch pen\u011bz bude, p\u0159epo\u010d\u00edt\u00e1no, pouze sedmdes\u00e1t tis\u00edc. To zas tak moc nen\u00ed, co? Nu, ale i to je spo\u0159en\u00ed. Tak rozm\u00fd\u0161lejte pe\u010dliv\u011b, kam d\u00e1te svoje \u00faspory! Mnohdy toti\u017e jednoduch\u00e9 \u0159e\u0161en\u00ed nemus\u00ed b\u00fdt zase tak p\u011bkn\u00e9.                                                                                                                                                                                                                                                                                                                                                                                           3.7\/5 - (3 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"D\u016fchod je daleko, tak s t\u00edm po\u010d\u00edtejte!","item":"https:\/\/www.sheeni.cz\/duchod-je-daleko-tak-s-tim-pocitejte\/#breadcrumbitem"}]}]